Momentum speeds up...

Hello Team,

What an excellent time to be a part of Renatus and our team! This past week was very productive and we would like to thank you for being a part of it! Congratulations to Andrea Browning who is now certified at both the foundations and AIT levels! We also want to congratulate and welcome Jared Matt and Garrett Noble who joined our team this past week. We look forward to seeing you grow and develop with our team while you reach your financial goals!!

Remember Mark Kohler is coming on June 11 start building NOW!! Use the open houses to help prepare your guests for the Intensive!! If you use the open houses effectively you will be able to make 30k in the next 90 days.

As a reminder here are some of the prizes for the contest we are running:
Foundations sold – Dinner and a Movie
1 AIT package sold – Ipod Shuffle loaded with sales training
10k in Net profit - Dinner with leaders and special guests
15k in Net profit – Ipad
20k in Net Profit – Prepaid Visa card $500 value
Certified at AIT – A Montblanc Pen
30k In Net Profit - Prepaid Visa card $850 Value
50k In Net Profit – 5 Day 4 Night vacation
Possible Destinations – New York, Florida, DC, Cabo San Lucas, Cancun

We look forward to seeing you Wednesday!

Types of "Cons"

When making decisions I usually will write down the pros and cons of the situation. I just bought a new car and did the same thing ... made my list. Pro's are the good things, Con's are the bad ... interesting!!!

I continue on my journey to learn more about why I do what I do. This morning part of my reading was going over unconditional love. Learning what true UNconditional love is all about. These thoughts followed;
Why must we live our life based on conditions? Conditions of....
If we want to be liked, we have to meet certain criteria that someone else has set.
If we want to be healthy, we have to eat certain foods that someone else has laid out
Most believe to be "worthy" we must do x,y and z ....
When will we choose to live and love unconditionally? Isn't it time we stop following society and follow Christ's example of unconditional love for everyone? especially ourselves? Remember, we can not give what we do not have ... it all begins within.

The scriptures state clearly, "become as a little child.." that doesn't mean selfish, it means innocent. Innocent doesn't mean naive either, it means to live without baggage, to live with joy instead ... look at it this way, "inner" sense. Learn who you are and feel the joy that comes from your inner sense! How many children do you know that simply enjoys the moment? Running through water, rolling down a hill, signing and laughing out loud, dancing just to dance?

To begin, one must accept themselves. Accept the good, bad and ugly!!! One must stop putting "conditions" on themselves, like... I should be better at this, I should be a better parent, better spouse, etc. Using the word "better" alone tells our inner sense what we are doing is not good enough. I suggest using the word "EVEN better" if you simply can not accept what is!

Create yourself a fabulous day!!!

Jody

Muck in the Masses...

I woke up with a clear understanding of why I felt so stuck all the time. I know about the cashflow quadrant from Robert Kiyosaki, I teach the cashflow quadrant. I personally feel it's a great book, one that teaches us what is out there.

Now where do we fit in? I know I have been on the left hand side my entire life. I believed I was on the right several times but never really felt like it was secure. How do I finally make the jump?

We all are searching for a way to be financially secure.
1. We work long hours at a job that pays us well. Believing we will stay there for years
2. We save our money, learn to spend less and less
3. We put our money away in retirement accounts, created for the masses
4. We keep buying things ... liabilities NOT assets only believing we are buying assets
5. The list goes on and on

All the habits we feel are good we keep calling habits. Those habits we are not so happy with we call addictions.

All in all we can only say we do what's important to us. Someone may disagree with that, giving all sorts of excuses but take those excuses all away... Bottom line is we do what is important to us.

What became clear as I was teaching the cashflow quadrant again, is we stay where we are comfortable. Think about it. If 99% of the masses --- which is the majority of us -- are on the left hand side, we function, understand and process our daily financial habits day by day IN the left hand side because that's what we have been taught. Everything we do is all IN and ON the left hand side. We talk with others ON the left hand side. We look for answers ON the left hand side. We seek teachers FROM the left hand side. We stay where we are comfortable!
All the time believing we are getting new information.

Think about our financial beliefs. We all have them, think about what we say about "rich" people? All those thoughts, put faces on them. It's like us staying clear from that "group" of people because we don't fit in. How many times do we resist being invited to one of their "parties" BECAUSE we feel so separated.

We've never been on the right side so why go to the unknown? Won't we lose "friends" (beliefs) if we start to hang out on the right side?
But don't we all continue searching for the door or pathway to get there. Interesting.

Why the resistance??? Why stay stuck?

The only solution is to learn from someone who teaches those on the right side how they can stay there! Learn from someone who can help us move into the right side step by step. Let's get acquainted with "those" on the right side, in a comfortable environment. Most of us will feel more confident and more secure if we learn and practice better financial practices to be one of "those" now hanging out on the right side. Why do we fight it?

April 9th is YOUR chance. This is an event that gives you insight into what it takes, what's available to begin your journey TO the right side. Our instructor, Curtis DeYoung is a person who teaches those ON the right side how to stay there.

Now's your chance. Clear your schedule, don't allow your excuses to keep you from at least hearing what it takes. If you still choose to stay on the left hand side, that's fine. We will still be friends!

Motto of Paul J. Meyers..Attitude is everything

I have a goal to write out my thoughts in hopes of assisting others along my same journey. Moving from the Employee mindset to business owner. It's been a great ride however I still find myself getting stuck.

Facebook is a great resource for me to be inspired by great quotes of others' postings. I saw this one today. What struck me were the words pursued and attracted.

"Success is not to be pursued; it is to be attracted by the person you become" ~ Jim Rohn

My first response to getting started on any day IF I am feeling like I'm falling behind is to begin pursuing activities. Figuring out, planning my days activities. Nothing wrong with that but it puts me in my usual habit of busy work. The saying BE DO HAVE stays firm in my mind and busy work is simply hustling around "doing to have"....where's the "BE"?

I love to read and found this article in Success Magazine ... By Todd Eliason, writing about Paul J. Meyers.
Interesting point that was made was in Paul's reflection of his parents teachings. His dad was a carpenter and taught very wise lessons.

Paul states, "One tool that stands out in Paul’s memory is his father’s magnet, because his father used it to demonstrate an intriguing law that Paul would use his entire life. “Experimenting with this magnet brought the law of attraction to life for me,” he says. “Positives attract, and negatives repel. When people allow fear, worry, doubt, indecision and other forms of negative thinking to determine the direction of their mental attitude, they shut off the positive power of their magnets.”

So the first part of the facebook post was how pursuing was NOT the answer to success but attraction was. When I read this part from the article, it made sense and re-centered me in striving to become the person who attracts success.

A second part of the article that impacted me was when he described what it takes to become a winner!
Paul states, "Over the years Paul realized even more fully the powerful role attitude plays in determining success and winning in life. “When people think of themselves as successful, they succeed,” Paul says. “When you believe in yourself, others tend to believe in you. When they see your self-confidence and positive expectancy about your goals, they believe in you and begin to accept your ideas.”

I am successful therefore I succeed daily.

I live in my power, therefore my belief in myself and my venture is embedded in my soul

I accomplish my goals easily, quickly and efficiently

I am grateful for all the money I have now

I love people

People love me

I am enough


MoneyMama.biz was a creation to serve more people more often. What do you have brewing inside for you to step outside your comfort zone and succeed?

Can you do it? Absolutely!
Will you do it? Possibly
If in doubt, join my team and together we will both watch you soar to greater heights....hang on and enjoy the ride!

Create yourself a fabulous day

Jody Hill
www.moneymama.biz

Financial Health..how fit are you?

Financial Freedom is what I hear most people say when they tell me why they want to learn Real Estate Investing. They understand the power of leverage through Real Estate, however, financial freedom is a vague statement.

Let's take it a bit deeper. Those who tell me I am looking for Financial freedom are really looking for more time to do what they "want" to do. They want the choice of their schedule. They want more time with family. These are all good and fine but still we must dig a little deeper. Get to the core issue of what we must learn and do to obtain this goal.

Interesting! I am all about Fitness. I work out and I strive to learn how to eat healthy. My basic physical make up is a high fat content which I have dealt with all my life. In fact, I have my fat percentage checked regularly something most people don't even know what % they have. I do, and have been labeled in the "obese" category all my life. If one looked at me, that wouldn't make sense but I swear based on the charts I am borderline ALWAYS in the obese category. Is that frustrating? YES!

I am doing a body "rehab" to get my body fat % under control. I know it is healthier for me to get it lowered. I continue learning how to maintain it through healthy eating. I learn more and can handle it better each time I focus on the goal of getting it lowered. Is it easy, not really. Is it simple YES.

Those who know me, know I use analogies in everything and financial health and physical health compare nicely. Here's what I have found.

I have been financially obese most of my life. My debts were out of hand. On paper, our debts didn't look so bad but come every month our checkbook took a beating. We usually had more month left over money.

I began my financial rehab 2 1/2 years ago. Doug and I wrote down every penny we spent and on what. We learned where we spent our money. Once we knew where our priorities were, we could split up our monies in different categories. Yes we have a "play" account. As T. Harv Ecker states in his book, "Secrets of a Millionaire Mind" a play account is to be spent every month. It's not fair to "save" up for something big. That something big is your "future vacation" fund or "Future whatever" account.

You spend your play money on quality not quantity. For example, If you had $100 dollars to spend. You would spend it on an expensive dinner vs buying 100 dollar items at the dollar store.

There is a game plan just like a diet plan to achieve your goals of financial health. Stay tuned...more to come in following posts

Create yourself a great day!

Jody Hill



- About the Author:
I guide and direct others to live life earning six figure incomes on their time and in their timeframes so they can do more and be more for those they love the most.

To learn more about what I do and how you can become financially healthier go to: http://www.moneymama.biz

Gratitude

This morning I have been pondering all the things in my life I'm grateful for. It's amazing how abundant life becomes when you can spot those things of importance. The most significance is relationships. I'm not sure why I was so hesitant to connect with others, including my own husband and children. What a great journey I have been on and so blessed to have this time to learn more about how amazing my family and friends are. My gratitude is indescribable!!

Our children think it's a bit strange at times because that is not what they grew up with. I figured I was doing them a favor not connecting with them, thinking they would be disappointed in my short comings AND me a favor because then I wouldn't get hurt. Silly thoughts but they were very real.

In Napoleon Hill's book "Think and Grow Rich", one of his 6 fears... fear of loss of love. I would never have believed this was a strong driving force behind why I did what I did. The other big fear was .... fear of criticism. This one made sense, I grew up where I could do nothing right, according to everyone in my life such as; Teachers, Mother, Sister, Friends, Neighbors etc. I mean no one!!! I either talked to much or too little, did too much or to little, expected to do great in school but didn't, even my 7th grade choir teacher asked me in front of the class, "what in heaven's name are even doing in this class? You can't sing!" She suggested I not come back. Yes that is a true story.

It got so it became true for me as well. I self judged myself as never being good enough. When I married and started our family, this made more sense as to why I stayed back from connecting to those that matter most in my life. Those fears felt real and strong. HOWEVER, when I learned and understood more about what fears are and where they come from, I began to walk through the darkness as I started my new journey towards love and acceptance. First person being myself! I knew if I couldn't accept and love myself -- I knew I could not give what I didn't have!

This holiday season, give yourself the ultimate gift.... the gift of acceptance and love of who you are ... the good, bad and ugly!

Create yourself a fabulous day!

Jody

Intention or Expectation...you decide

We hear all the time from the Success Guru's to place your intention out there and it will come to you. You can expect a certain outcome if you declare your intentions. If it's that easy why doesn't everyone have all that they want? Here's a few secrets to the game.
Let's get straight on our definitions so we can all be on the same page.

In the Webster's dictionary the definitions go as follows...
Intention: a determination to act in a certain way
Expectation: : the act or state of expecting : anticipation

Based off these two definitions, side by side can anyone quickly determine why these two don't belong together? If you read my other post about 'Currents' in our life, it would be easy to spot. Intention is throwing an idea out to the Universe, God, whatever your belief is, to receive the result you are looking for, while Expectation is the under current throwing it back. Now can you see why they block each other out?

Now that we understand who and what they each mean, let's put it to work so we can start seeing the results we are seeking. You first have to know what you want to happen. Let's say you are seeking $100,000 in the next 90 days. In my business, that's easily attainable. You begin by sending out your Intention...I deposited $100,000 in my bank account on or before __________(date) you want this to happen. In 90 days nothing happens. WHY?

Expectations are the killer of all good intentions. Think about that last scenario, you intend to deposit $100,000 into your bank account on or before 90 days out. You expect that to happen because you fully believe it will. Ummm, you killed it before it even got out of the gate. Expectations come from how you see things happening. Your expectations come from your physical, logical side of how you determine how things will work. You work towards what you know.

Interesting how we look, interpret, and understand how life works. Be a follower to my blog and learn the secrets to getting what you want, sooner, faster, and more abundantly than ever!!!

Create yourself a fabulous day...


Jody

"How you do anything is How you do everything" ~ T. Harv Eker

What Real Estate characteristics determine your level of Success? Are you a do-it-yourself kind of person, a know it all? Do you mastermind with a group of like minded individuals? OR do you feel everyone is out to take advantage of you?

After reading the book "The Secrets of a Millionaire Mind" by T. Harv Eker a whole new world opened up for me. I understood his statement deeply, "How you do anything is how you do everything".

Wow, my hesitation to make a decision BEFORE I had all my facts became clear, that was my greatest block in Real Estate. I found myself not committing to anything until I understood every step. My fear of doing something wrong without knowing it, paralyzed me. How silly is that? Some would say I was simply cautious, you decide.

I meet people every day who seem to have that same attitude, show me the steps BEFORE I decide this is what I want to do. I can sure appreciate that! In anything, how can you understand the steps before you take them? Striving to understand a future event before it happens? Not likely!

They ask me to Mentor them. (http://www.moneymama.biz/) What they don't know is how I watch how they make decisions. You may say I'm being judgmental. I say I am discerning whether to work with them or not. Let's get clear between judgment and discernment. When I judge, I am deciding someone else's beliefs are not correct. When I discern, I observe behavior and decide if I want to participate. Watching, allows me a chance to decide for myself if I will work with them. And it shows me clearly how they will work on their end. "How they do anything is how they do everything".

When they ask for a Mentor, what they are really saying is I lack personal confidence and don't want to own my choices. I don't want to make a mistake. Can you see how they lack responsibility for themselves with this thought process? They are trying to push their responsibility of learning back onto me. I simply don't take it.

Let's compare if they choose a Mentor. They are willing to forge ahead, taking on greater education to learn for themselves and using me only as a guide. That thought process is totally different. I'm there for them all day long! (http://www.moneymama.biz/)

What characteristics show me the difference?

It's like with cooking. You can bake a cake anywhere but elevation, temperature and humidity play a part. If you don't know that, your cakes will come out different every time. Is it possible to have the person learning see EVERY possible difference on their first cake? No You can explain the differences but until they take the steps themselves and do it enough times, they will never know.

"How you do anything is how you do everything", can you see the basic thought processes connecting?

You can also use, going to school. You can sign up for a class, feeling excited or feeling the anxiety because it's all new material to learn. Your first day of class you decide it's not for you....you did poorly on an entrance exam or you decided you already know the material. Time to ask, why are you going to school? To get educated, to learn new stuff BECAUSE you don't know the information already? Or do you walk away from a difficult class because you are embarrassed you don't already KNOW the information and don't want to fail or look stupid amongst your peers? Or do you walk away because you already know the material and don't feel you can learn anything new?

How do you move forward in learning a new skill? Is education a cost or a value to you? http://www.moneymama.biz/

Join one of my Investor Forum's, see for yourself the power of Real Estate Investing. Decide it's the direction you see for yourself. Let's get started going over those transactions so you can learn those steps to build confidence each day. http://www.moneymama.biz/

Create yourself a fabulous day

Jody

Currents...ride them dude - Righteous!

Currents are everywhere! In our life, in the ocean, in the air, just to name a few. Take the ocean for example:

There are two types of Ocean Currents:
1. Surface Currents--
These waters make up about 10% of all the water in the ocean.
2. Deep Water Currents--
These waters make up the other 90% of the ocean

AND these Ocean Currents are influenced by two types of forces
1. Primary Forces--start the water moving
2. Secondary Forces--influence where the currents flow

Webster's Dictionary definition: a current reverses its direction at regularly recurring intervals

If we look at how simple that explanation is, then comparing the ocean & life's currents is not so hard. In life, as in the ocean, there are primary forces. Those are the forces that begin movement. It's called life desires, a desire to figure out a different result, a plan to accomplish something different than what we are currently doing. Each one creating momentum.

This is where a new current begins to take shape. Surface currents make up 10% of all the water in the ocean, we could then say, 10% of all change in life comes from desire. Desire is good, it begins the process of changing or improving our current situations. It starts the movement. But it goes deeper than that.

If you really want to improve, then you must get down to the deep water currents, like the oceans... 90% of what happens in the ocean stems from here. 90% of what creates our truest form of change is in our core belief's.

Let me explain by using my equation: ( Belief's x Thoughts = Sub-conscious) + words + Action = Results

Our Ego (Sub-conscious) is made up of our beliefs & thoughts. Ego is about accomplishment. Ego is happy when it can protect you. Let's talk about how our Ego is created, becoming an issue or under current for our discussion.

Our Ego began forming the minute we were born. Our minds picked up on everything that was said & felt, adding how we interpreted our experiences as we got older. Think of an experience in your past, something significant. Like your first day of school? did you feel insecure, were you afraid, thinking you will make a fool of yourself, feel inferior? were you excited? Well, how much did you dwell on that?

The time you dwelt on it, imprinted it deeper and deeper into your subconscious to create --- (almost like a record) --a rule for the EGO to work with. Ha Ha, most of you reading this are too young to remember records. Well, I’ll tell you they created records by creating grooves and those grooves are what created the music. If you got a scratch on the record, it would skip and skip over and over again. In essence a scratch created an interruption to the music.

I’ll share with you one of my experiences. I remember Christmas. I always have my excitement of anticipation build and build until I could hardly stand it. I still do...can’t keep Christmas presents a secret without a great deal of control :) ha ha, that’s why we open our Christmas presents at 3:00am ---- way too excited I simply can’t sleep.
I remember one Christmas more than any others. I received so many presents I was lost. I couldn’t remember what I got to save my life. What made this so impressionable? I wanted a certain dress more than anything. I believe I was 5 at the time. I couldn’t stop talking about this dress over and over. My thoughts were obsessed, I was so excited, I just knew I was getting it. The point I want to make is I kept hearing my Mom tell me to have “faith” and IF I had enough faith it would come “true”. I fully believed her!

Well, with my little girl understanding, I prayed and prayed to “get” the dress. Who can guess what the outcome was? NO I didn’t get the dress. I was so disappointed I had to figure out how to deal with that level of disappointment. What rule do you think my Ego took on? You got it, “don’t get your hopes us because you will only get disappointed, dreams don’t come true” Now, how do you think I went forward from this point. Exactly, not hoping for something because my EGO graciously reminded me “you won’t get it anyway”. In essence, my Ego took away my choice. My Ego dictated my thought process.

Is it time to create a scratch in your Sub-conscious record? If you answered yes, stay tuned for the next blog...

Create yourself a fabulous day!

Jody
www.MoneyMama.biz

Are you hungry?

I am so blessed to have others share their insights and perspectives with me. I enjoy learning the stories of others. I especially enjoy hearing the stories of my children and grand children. By stories I mean how they understand life, how they understand where they are and where they are going, how they understand and explain their thoughts, how they interpret the world, religion and others. You see, I wasn't always that open to hearing their stories. After "growing up", I learned there is no right or wrong story, just stories. My story is right for me because I'm writing it. Their story is right for them because they are creating it for themselves.

It's all similar to a playwright. We all have a personal play we are writing every moment of every day. We are the main characters in our play. We write in others as key characters, however what happens if that key character you feel is to be in your play, decides not to be? That when frustrations come, hurt feelings happen and we are confused as to why they can't simply see themselves as a key character in our play!

Until we learn we are our own playwright-er, we fill the role of puppet. Someone else is in control of our story. That is frustrating in itself. How many of us have these constant questions or thoughts?
1 Why do I feel so out of control?
2. Why must I have obstacles thrown in my way on a daily basis?
3. Can't I just have a minute of calm? of peace?
4. I am so frustrated I could scream!
5. I thought life was to be happy? I'm NOT happy!!
6. They make it sound so easy, life is just too hard!

If you can relate to any or all of these questions or thoughts then it's time you begin to understand who is in charge. You are!!
We do not have to agree to be in anyone else' play. We have agency that allows us to discern between good and evil. We can decide if we want to be a key character in someone else' play or not. Now are you feeling the power come back? Now are you starting to understand how empowered you can be? Maybe you are saying yes but now wondering how you can do that.

Your first step is to understand completely your story is not always the only story. You read that right, such is life! You are not always right. I bet some of you reading this post will become livid, uncomfortable, and asking what do I know, asking how could she say such a thing, doesn't she understand? Yes Yes and Yes, I do get it. I was that way for years. I'm not proud to say, I raised my children with the firmness I was right. Even if I wasn't, they didn't have to know. It scared me if they deviated from my story. It wasn't easy living with a Mother who "had" to be right. It kept me from hearing them, it kept me from learning how they felt. Most importantly, it became clear, I almost lost them.

I no longer am like those religious fanatics who read one verse of scripture and decides I know it all, No longer do I hear one sentence and decide, I know the whole story. If I hear a certain tone of voice, I no longer jump to conclusions that I understand the whole situation. I'm glad I figured it out to a small degree before it was too late. I have experienced a freedom that is hard to describe. Freedom to be me, freedom to love others just as they are. Freedom to decide what story I become part of.

I'm learning unconditional love. Unconditional love for myself, following Christ's example. He loved others no matter what! He loved how or what they believed. He may not have agreed, but he allowed them their agency to write their story. He didn't judge them. Now for those who adamantly disagree he didn't judge them...I'm sure your first response is, "he did judge, he judged righteously!" ....Please understand first the definition of judgment vs discernment.
Define...Righteous: morally right or justifiable -- proving you are right.
Judgment: a formal utterance of an authoritative opinion
He NEVER forced others to believe he was right! He accepted them for who they were, he loved those good, bad and ugly!

It's time we feed ourselves with perfect love. Going inward to the "Christ within" to accept who we are, accept the good, bad and ugly of our self. Once we learn who we fully are, we can keep the light of Christ shining so other's can see their own path. We are of infinite worth, if you are doubting that then review the definition of "worthy"...Worthy definition: having worth or value --- we already have it so why do we define ourselves by working towards being worthy? It’s a mark that already exists.

It's time you become the playwrighter and stop being the puppet. Remember, we can not give to others what we don't have

Create yourself a fabulous day,

Jody

Forward Momentum is a choice...

I'm sitting here in my beautiful backyard contemplating what to write. I have had amazing experiences just in the last week. Let me share some of them with you. First, I went to Denver last weekend to attend their Wealth Summit. Jen Matlock was the instructor and I knew she would give me some golden nuggets, she is smart and willing to share all she knows. I was right, I did receive some golden nuggets. You see, I have an Arizona property we are taking to close. This is the most fun and stressful time of the whole transaction.

It's a timing thing. Taking all the parties involved to do what you expect them to do and put it together perfectly. Like a Thanksgiving dinner...tons of dishes ready to eat at the same time. This process begins once an approval letter is received. Negotiations begin, yes I said negotiations. Our approval letter is for $84,000 to close on or before October 15, 2010. Well, here's the thing...I begin marketing my properties once I receive my approval letter. I'm fast but not that fast. I don't have a doubt the property will get sold, but unless it was a cash offer I couldn't close it simultaneously with my approved price. Yes, I could close it with the bank for $84,000 but that would require having short term financing vs 24 hour funds, which cuts into my profits that I protect viciously! And it would take substantial funds out of my own pocket to make short term financing work. My new offer comes in for $80,000.

I also begin negotiating for an extension with the lender, hoping to give me another 30 days which would put me in a position to use 24 hour funds. Well, after reviewing the conditions of the approval letter I see a clause I can't live with. It's telling me I can't resell it for 30 days or they will consider it "flipping"....which is so far from what "flipping" is all about. If you want to learn more about that, then go to my website http://www.moneymama.biz and sign up for a Wealth Summit. Most would walk away from this deal, why? It's because they don't know what they are doing, scared and not willing to learn. I am renegotiating with the lender to remove that clause. They know I'm an investor, they know I intend to resell this property, they know the Seller/Owner knows my intention etc. Their fear is money will be given to the seller and not to them. Well, the seller isn't getting any money from this transaction so nothing to worry about right?

Where does the bittersweet come in? To market the property and receive greater profit, I must clean it up. A fresh coat of paint is being put on as I type this...not by me but by someone I hired to work for me. The yard is getting cleaned up and the carpets are getting cleaned in the next few days. I have turned the utilities on in my name ALL before it's mine. Why would I do that? I believe that is why most people won't pull the trigger and buy a property. They don't want any risk, they are not willing to do what it takes to build their confidence in learning how to do this. If Real Estate was easy everyone would be doing it.....it's not easy BUT it's simple. I have a calculated risk. Let's look at the worst case scenario...if I didn't close what would I really be out? Only money, but what would I have gained? I would have gained greater confidence in taking a transaction this far. Either way I look at this, I've won!

In reality, I'm not without struggle. I learned to strengthen my emotions. Moving forward with the confidence that the end result will happen just as I planned. Will I have hurdles to overcome? Probably, but I'm emotionally fit to not feel them as much as I use to. I'm happy with my growth, my strengthening experiences its what brought me to this point. That is why I coach others, mentor others and direct others along their path, all because I have been down that road.

I almost forgot! I haven't told you what I'm marketing it for. My sells price is $115,000. My marketing officially begins Oct. 1st. To put this in perspective, the original mortgage was over $200,000 and the Retail value is $119,000-$121,000. I'm priced below market value and buyers are lined up ready to go look. They are simply waiting for the work to be completed. I'm excited to sit down at the closing table....exhilarated to feel the accomplishment of a transaction completed. I Love cashing my check and then, do it all over again. How many hours have I spent on this property? My guess is less than 10 hours total. Not a bad paycheck if I say so myself!!!

Where does that leave us? Real Estate, Real Fun in Real Time....

Go create yourself a fabulous day!

Jody

Mindset...are you gelling? or already set?

You are receiving this post because we have had conversation, in the past for some and more recent for others, on your interest to improve your financial situation. Has anything changed? Are you still feeling stuck, under paid, living paycheck to paycheck? Well, you want to have things different, you want more money, you want freedom....have you thought you already have everything and it's simply your perspective that needs adjustment? Maybe it's a shift in words you use? I know, success is a learnable skill. Either you choose to learn it or remain dreaming about it then condemning yourself and blaming others when you don't achieve it. It all comes down to YOU! It's your choice, no one else...period.

Remember, what you focus on expands. Which means if you focus on "wanting" you get more "want" ... does "want" satisfy? No, what about focusing on "freedom"? You already have "freedom", are you looking for a carefree lifestyle instead? Carefree means without worry. Would a carefree financial lifestyle be your intention to achieve?

As T. Harv Ecker states..."Think about it this way: Energy is contagious! Either you affect people or infect people. The same holds true the opposite way around; either people affect or infect you. Which bug would you rather catch?"

If you are interested in the full read, go to http://www.themillionairemindblog.com/mindset/beware-of-frenemies/

Success is a personal definition, it means something different to each person, however I know Real Estate Investing has the greatest leverage to create that carefree lifestyle you each are searching for. Like my friend Zeke Zucaro says. "It's time you get up off the couch and buy a house!"

Create yourself a great day!

Jody

Unveiling...

Today is Wednesday, a day that is offering great reflection. I am reviewing my business plan for 2011, my marketing plan for 2011. Reflecting on thoughts that have assisted me...Rambling on in my head. I thought this morning I would do something most would never even consider, that is a 20 minute writing. I do them often but I usually am writing, not typing. I promise I will go back and reread this to make sense out of my random thoughts. When you are writing, that is one of the "rules", not to rewrite your words. When you reread them you will know what your core issue is hiding deep down. The more your do these exercises, the deeper you clean.
This is being pretty open for me. I am walking through what I guide my coaching clients through to give them an awakening. I thought I had already been awake, but now knowing we all go to sleep as well and awakening is an ongoing activity. Funny how I learn so much from my 20 minute writings. I can do them because no one else ever has to read them. My kids or husband may find my notes in journals then all the truth will come out. A part of me wants to know when I am to die, I have considered burning them. What good would that do? keep me hidden from the ones I love? Silly statement when I see it written out. But truth is like that, learning to know who you are with full acceptance, well anytime you want to hide you are not accepting. I feel resistance in writing down what is in my head for fear of retribution or criticism. Funny how that always is the case, I try to be open but when I am I get reprimanded because I'm not following someone 's. I have simply learned to keep it to myself. Interesting. When Doug and I were driving home from Highland, UT we stopped at a red light. Doug mentioned we could turn and get to Draper from here. Great idea but I was still drawn to go straight into the traffic, construction and willing to participate in a longer drive home ALL because it was familiar to me. I was startled at how hard it was for me to deviate from my norm, my normal actions. Long story short, we turned and enjoyed a pleasant drive to Draper without the traffic and construction. Beautiful views, great weather and great company.
If any of you reading this... you can see I simply ramble. Pause, Pause, Pause, I'll do it! I am faced with negative thoughts, thoughts of me not good enough right now. I only have three houses I'm working on, to me that's not enough. I find myself in the same cycle over and over never doing or being enough. That right there is false! I know I am good enough and I know I do enough. I can only do what I do that moment and it's the best I can give right then. Can I become even better? YES that is the goal but you notice I said "even better" which gives me the words of acceptance but improvement all at the same time. It don't hear lack of anything. It pushes me forward to become even better than before. That feels good.
I was wondering who I could talk to, receive council from but I realize I have put myself in the position of leader. People come to me to get council not to give it. Being that leader is sometimes a lonely place so I revert to my 20 minute writings.
I am learning to be more open to others about my feelings of lack, my feelings of not being good enough. That is hard all reverting back to the fear of being criticized, fear of rejection, fear of retribution. Interesting facts I have learned about myself. Showing me I have more work to do to walk through these fears.
After this writing I am more motivated to enhance my killer marketing plan, my killer business plan :) Love it!!!! I get so pumped after I write because of clarity --- the reason I do what I do becomes the driving force of my day. Love it!!!

Significance...?

As I was journaling this morning, the word kept coming up....Significance. What does that really mean. Interesting thoughts crept in my head as I was rethinking the Tony Robbins video I watched as he discussed Significance.
Go to ...http://www.youtube.com/watch?v=Cpc-t-Uwv1I ... to watch the full video. It's about 22 minutes long. Well worth it. He talks about why we do what we do. Each of us is seeking to be significant in some way, whether we know it or not. We want others to view us as valuable.
How are you going about doing that?
How are you going about sharing your value?
As you answer these questions, keep in mind to receive the fullness you are looking for it has to start from the inside. If you are looking for external validation then you will never feel significant. If you look within and learn who you really are, the truth of you! Then you will understand your direction on how to share your significance
ENJOY!

Create yourself a fabulous day!
Jody

Leverage...great word but what does it really mean?

I was thinking of the word leverage. Leverage is a great tool to use when you need something other than your personal strength to get something done. How would one use leverage in Real Estate? How did the leverage of the banks lead us to ruin? I looked up the word Leverage and the definition is as follows: to use for gain : exploit (definition: a notable or heroic act) shamelessly (definition: a painful emotion caused by consciousness of guilt, shortcoming, or impropriety) leverage the system to their advantage — Alexander Wolff. By adding in the definitions of the not so common word, let's reword it to make sense for us normal people!

Leverage is use for gain, worthy of noting, leverage is used without consciousness of guilt or in accord with fact, truth or right procedure so they can take advantage of the system.

Rewriting it that way it sounds pretty underhanded. Is that how we interpret the word Leverage without even knowing it? Is that what keeps us stuck in the mundane cycle of our working careers? Is that what keeps us from learning the secrets of the Rich? Is that why we interpret or say "the rich will climb over anyone to get to the top", interesting for me. Now that could all be true but why is leverage so important to use?

I believe how I understand it now is to do that different from the "norm", different from solely being dependent on oneself. Why does that sound so contradicting? Sometimes you simply need assistance, agreed? Because one requires assistance does not mean they are weak, it does not mean they are not honest in their business dealings. Isn't that the core challenge we hear unconsciously with the reworded definition of leverage? Moving through life less than honest. We all strive to be honest people but don't we catch ourselves saying "he's not honest in his business dealings" or "it's business" ...like that makes doing business anyway different than doing right by/to other people. As T. Harv Ecker states in his "Secrets of a Millionaire Mind", our money blueprint is a critical clue into our current situation. How does your bank account look?

How impressive would it be to learn the honest art of leverage? In real estate investing you can do that. You learn the correct way to conduct a transaction, treat others with respect but you can leverage your knowledge to squeeze out greater income from one deal. How? by learning how to do it right, by learning to understand how assets pay you and by learning how to remove the emotion out of the deal. You are buying the numbers! Period! If it doesn't work for the other party that's fine. Move on. Let's look at it this way...if you had $1.00 and you went to buy a candy bar that cost $1.50. You have a choice, either come up with the other .50cents or ask the owner if he would sell you that candy bar for $1.00. Now not only you have a choice but the owner has a choice. The worse thing that they could say is "no". They are not saying no to you, they are saying no to those numbers. Make sense?

Now to leverage your retirement fund with real estate investing....simply buy property through your R.F. and put the proceeds back into your account. Watch it grow exponentially tax free!!!! That my friends is the correct use of Leverage!!! now it's time to put it into effect and get started.

Create yourself a wonderful day!
Jody

Tired or Re...tired Yet?

Are you tired of feeling behind? Scared you will not have enough money during your older years? Is your fear of poverty blinding you to a faster and smarter way of building retirement funds?

Feeling behind is common. You are most likely someone who is working and has been working most of your life. Working is not bad but working to simply earn a paycheck is the traditional way. How's that working for you? If you have only a few years left, are you starting to feel the panic yet? I know how that feels. I felt so stuck, my back was against the wall. The older I was the less income I made. Jobs were few and far between. I knew I had to find a different way of looking at money. I saw other people living comfortably but was it too late for me? I had a decision to make, learn something different or be satisfied with working till I was 80. Social Security would take care of me for a few years... until it ran out, then what was my option?
Let's dive into what you can do. I started Investing in Real Estate 5 years ago (www.moneymama.biz), other people did why not me? Honestly, my fear of losing everything was paralysing me. Come on, what did I really have to lose? I already was down to nothing? I stepped into the common sense corner and looked at what was available. I knew I wanted more than just learning a Real Estate strategy, I was thirsty for the business side of it. What did I know about how to save on taxes? How did I know I wouldn't be slammed with taxes and be buried alive? Did I want to start buying up property to have them all taken away? That was not my idea of being successful. I have been a loose cannon on tons of new adventures sure but this time, I wanted to be an educated loose cannon! When I started into this new venture, I was clueless. I'm not really proud of that but how else can I say it. I was clueless. I was familiar with the real estate basics but not the business side. I know there are so many people out there just as clueless as I was, that's when I decided to start writing. Writing what I have learned, putting it all out there fears and all. My blog,
www.moneymama.biz is where I post my thoughts. Joining others to take on their life before their retirement years is my passion. Giving others a choice in how they will spend their older years is rewarding... it's their choice if they will spend those years with peace of mind.
You can choose to work less and be paid more once you know how that is done. That can be scary in itself. Learning the unknown but knowing it exists because others have already walked the path of success. There are others out there who are successful in Real Estate Investing with their retirement funds secure. We hear everyday in this economy how scary Real Estate is, how bad the market is etc. For me, this economy is like a big swap meet. Everything is on sale. I buy property low then I sell it low, everyone wins! www.moneymama.biz
Are you ready to learn what it takes to put financial peace of mind back into your life? Take a look at your old way of thinking, start with a new direction. Forward momentum is a choice. As this unknown author states so beautifully, “Sometimes you have to let go to see if there was anything worth holding on to.”

Take the Money and Run?

Retiree's debate this question everyday. Traditional pensions allow workers to take a lump sum distribution but is that really the best plan? Angie Marek from Smart Money states, "Taking a lump sum can also create tax complications..."

The real question is what is the best answer for you? Do you know what to do if you choose the lump sum option? Do you know what to do to avoid huge tax complications? I believe one should understand what the end result will be PRIOR to making a decision. I was always told by my good friend Brian Buffini, "When you put on those levi's and they don't fit remember, you didn't gain those 10lbs overnight." That may be a tongue and cheek answer but you didn't reach retirement age in one day. It has been over a life time of choices that has you where you are. Now to figure out what to do about it and hope you make the correct choice. I believe it's time to learn BEFORE you reach retirement age so you can create the outcome you are looking for. Others have, why not you?

As Jeff Carbone, a financial adviser in Cornelius, N.C. states...To the millions of workers scraping by with a crash-depleted 401(k), having a (lump sum) pension can seem like the next best thing to a lottery ticket...often on top of Social Security...many actual pension holders are quietly becoming casualties of the tough economy.... “The world is changing.”

There are several options out there for a person to grow their retirement funds safely. Creating that security we all are seeking. How much do you want to receive every month to live comfortably, not dependent on anyone else or the government? Think about it, does it really take age to retire? NO, it takes money. If you had your plan in place and you choose to retire at age 40 then go for it and have a blast! Is that possible? Yes it is if you know what you are doing. Is it time you figure out if that works for you? Do you want $5,000 or $10,000 a month coming in during retirement? how many years do you want that income to be accessible for you? For example, the statistics show you would need $5,210,607 in assets that pay you, if you decided to receive $5,000 for 40 years based on Y2005 dollars and using a 3.49% inflation per year. How close are you? Can you feel comfortable knowing you have your estate in order and not feel the effects of those huge tax complications? www.retirewealthy.biz offers a free eReport on growing your retirement funds exponentially tax free.

As Albert Camus stated, "Life is the sum of all your choices." Join the movement and get educated, learn what to do and how to safely...take the money and run! You deserve it and your family deserves it. www.MoneyMama.biz.

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MoneyMama.biz guides and directs others to live life in their timeframe on their terms so they can be more and do more for those they love the most.

Create yourself a fabulous day..
Jody

Calculated RISK...or do they really mean common sense?

Let's go to the Real Estate "common sense" corner...what's really going on and what you really should consider. Solutions to getting into great real estate deals now. How does risk free real estate sound?

People trying to ride the wave of real estate can either jump in or be paralyzed by what they hear so let's get some facts on the table. Keep in mind, since there is no ceiling in real estate it means there is no bottom. Is real estate too risky? It can be if you don't know what you are doing. Consider house prices in California, stated in "the people history"; 1950 prices were around $14,500, 1960 prices around $18,500, 1970's around $26,600. What about now?

Look at what Zach Fox from the North Country Times in Calculated RISK Finance & Economics states in another Deal of the Week: Riding the waves in Oceanside (California). He states, "The featured 2 BR 2 BA condo sold for just under $100 thousand new in 1990. It went into foreclosure during the early '90s California housing bust, and was resold in 1995 for $33,000.

By 2000 the condo was above the original selling price. And then "rode the bubble" to an outrageous price. The condo went through foreclosure last year and sold in February for less than the original price in 1990! Adjust that return for inflation ..."

What does all this mean? If you knew how to read the market, understood what the current conditions were saying during the 1990's, would you have seen this wave coming?

History shows clearly the prices have gradually increased over each 10 year period. What I have come to learn is most people avoid the real estate arena because; they are scared to jump in, big time fear holds them back , they don't have the time to really know what or how to make a smart buying or selling decision, especially a lack of knowledge being so afraid to be "taken", rightfully so!
www.MoneyMama.biz

Common sense tells us we still have 3 basic needs which never go away.... food, water and shelter (www.MoneyMama.biz). We are still bringing babies into this world, our bodies require water and we still need a place to live. I invite you to get educated (www.MoneyMama.biz) and learn how simple, easy and smart it is to invest in real estate now. Learn what it takes to remove the fear of being "taken", understand buyer beware statements. Experience the opportunities of applying knowledge to make smart buying and selling decisions. Know how to benefit from real estate no matter what time you have available.

Knowledge alone is not power. Knowledge applied is power. Learn how to take charge of your financial situation today. If you are a first time home buyer, learn how to buy a property at wholesale. That means if the market goes down you are still in a position to have purchased at a great price. If the market goes up, you are sitting pretty. If you own multiple properties, buy more. Learn when and how to make smart buying and selling decision either in a good market, flat market or down market. Would that not give you the upper hand in today's economy? If you feel you are a seasoned investor, don't discount getting educated even if you believe you already know it all. Remember you don't know what you don't know.

Depressive or Impressive Retirement?

Retirement is subjective. Since 1986 we have been given sole responsibility to build our retirement. We past the buck, literally; past our hard earned "bucks" to someone else to manage. Are we depressed or impressed with our results?

I'm one of those in my early 50's learning more about how I can create an impressive retirement. A retirement portfolio that takes care of giving me a strong sense of security and the satisfaction of what I accomplished. The government won't have a hand in my retirement because I learned how to play their game. I learned how to keep my portfolio protected and safe to use without penalties. Isn't it time you do the same? www.MoneyMama.biz

I read an article from Andrea Coombes in MarketWatch on Social Security. As she pulled the statistics on how many use Social Security for their sole retirement portfolio, it was amazing and sad at the same time. WOW, really sad to see someones lack of responsibility for their own welfare. In reality, did they have a choice? We were handed the sole responsibility to manage and grow our own retirement since 1986. The government handed it back to us, sadly without any direction. The only choice was to hand our money off to someone who sold us on them knowing what they were doing. In essence, we gave our money to someone who saw a need and started up a business. If they can do it, why can't we? We can start up our own business and build our retirement within the same boundaries as they can. www.MoneyMama.biz

I want to be the one who is secure from my own efforts. Learning the game and play by the rules, rules the government set up. Andrea states: "if you're in your mid-50s or younger, it's time to make alternate arrangements.The program's dismal outlook has long been known, but the recent economic crisis further scarred the program's finances, bringing closer the day of reckoning when receipts no longer cover benefit payouts."

Social Security was a great plan. A plan for those who worked their whole life for someone else. A system for the government to take care of their elderly. What happens if you didn't take that path? or you didn't retire from a "job" after 30 years? Now what? Here's a few thoughts; Working for someone else, the slave, save, retire theory isn't working in 2010. Jobs were created to recover from the Great Depression era, that was the Industrial age. We are now in the Information age. Traditional education grew out of competing for jobs, doing what was required to show employers you are better qualified. Once again, set up to get through the Industrial age. What can we do to position ourselves in the Information age?

Let's learn from the past and learn how to harmonize the two eras. The Industrial age, during and after the Great Depression was a time people had years of nothing, then years of great abundance. They learned how to stretch the dollar vs learning how money works and grows. When the abundance started dying down, credit cards came into play. Buy now and pay later. Look at where that has got us? So in debt and we don't have a clue on how to get out. We haven't learned how money works and grows! 1% of the wealthy have earned and built their wealth through business ownership and real estate investing. Are you ready to join the 1% club? Go to www.Moneymama.biz

Create yourself a great day!
Jody

A fun article I wrote...

US News & World Report speaks out on Retirement...
How do your retirement funds look? Are your expenses increasing while you find your funds decreasing right before your eyes? Isn't it time to stop the leak? Be assured you will create the right financial outcome at any age!


U.S. News & World reports shared the article written by Kimberly Palmer, Posted December 16, 2008 on "7 ways to Save for Retirement during a recession." She states "The recession appears to be forcing many consumers to sacrifice their retirement savings...A significant number of Americans don't know how much they need to save to maintain their standard of living [in retirement]," says Craig Averill, personal retirement solutions executive for Bank of America. Some 62 percent of survey respondents said they were either behind schedule in terms of their retirement planning or had not yet started."

This is not the first recession we have lived through. Why do we act as if it is? Why are we surprised when our retirement funds decrease because of current market trends? How do we know what is enough to take care of our needs long term?

Those are great questions. Questions I'm sure we each have asked ourselves. I'm in the same situation. When I was in my 20's, retirement was not even a thought. When I was in my 30's, I knew I should be thinking and preparing more for our retirement but family needs got in the way. Now, I'm approaching retirement crossing my fingers I have done enough. I wish I started earlier like most of you. I'm a college graduate but still I believed I must have been less educated than most. That simply is not true! I simply did not know. How do you know what you don't know? I simply refused to keep chasing ideas out there; I finally did something about it. www.Moneymama.biz shares what I did because I didn't know where to turn, who to learn from. Isn't it time we wake up and know where we are financially. Isn't it time to learn what it means to have your money work for you? Get my FREE eReport today at www.RetireWealthy.biz. Isn't it time to find those leaks so you have more income to retire on? Or more importantly, a greater sense of security knowing you have done your best to prepare for retirement? Then enjoy the fruits of your labors. Now is the time! Stop procrastinating and start living! www.moneymama.biz

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As a Real Estate Investor, I own multiple properties. I am a Mentor/Advisor/Coach. With education many have generated wealth for their financial freedom through tools that build confidence in acquiring their own Real Estate portfolio